Updated: October 13th, 2022

Mercury is the banking stack trusted by 80,000+ startups.

We help companies scale from pre-seed to IPO and beyond with free checking and savings accounts, physical and virtual debit cards, domestic and international wires, and advanced tools like API access and Venture Debt.

Exclusive deal for Starter Story readers: Get $150 cash when you sign up

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Mercury Product Features

Mercury is designed to make sure you don’t lose sleep thinking about banking*.

It’s free to open one business checking account — and to open ten. Easily designate each account for a different function of your business, like operations/payroll, AP, or AR. Scale your account by issuing virtual cards to your growing team in seconds. What’s more, you can use auto-transfer rules with advanced sweep conditions to help you stay on budget, transform workflows with read/write API access, and take advantage of tiered user permissions to enable custom team management.

With Mercury, you get all of what you expect from a bank, and plenty of what you don’t. If you’re gearing up for your next fundraise, Mercury Raise can help you make direct connections with quality investors. And if you need to make higher-level financial decisions, dedicated relationship managers are available to advise you on whatever capital solutions make the most sense for the stage of your business.

To see what it’s like to use Mercury, give our free demo a spin.

*Mercury is a financial technology company, not a bank. Banking services provided by Choice Financial Group and Evolve Bank & Trust®; Members FDIC. The Mercury Debit Cards are issued by Choice Financial Group and Evolve Bank & Trust, Members FDIC, pursuant to licenses from MasterCard. The IO Card is issued by Patriot Bank, Member FDIC, pursuant to a license from MasterCard.

Mercury Pricing

Mercury is virtually free to use:

  • Free checking and savings accounts
  • No opening deposit or minimum balance requirements
  • No account or transaction fees (e.g., monthly fees or overdraft fees)
  • Free to issue physical and virtual debit cards
  • Free to send and receive: ACH transfers, domestic wires, and USD international wires
  • 1% fee on currency exchange
  • 2.0% interest on Treasury accounts

Mercury is free to use, however specific advanced features may involve incurring fees. These include: making mass payments on our API, accessing Treasury account management, receiving USD international wires as a non-Mercury customer, and exchanging money in non-USD currencies. Get more details on our Pricing page.

How does Mercury pricing work?

Mercury is a free product.

Learn more about Mercury pricing ➜

What Companies Are Using Mercury?

# Customer Type Description
MentorCruise career coaching business MentorCruise connects aspiring tech workers with industry professionals for long-term mentorship in Software Engineering, Product Management, Machine Learning, Design and Business. Find a mentor today!

Mercury Alternatives

Looking for an alternative to Mercury? We've put together a list of all Mercury competitors and alternatives.

List of best alternatives to Mercury:

# Tool Description Pricing Using
Divvy The corporate card that gives you the credit you need and the software to manage it - plus it’s free to use. free see all businesses using ➜
Quickbooks Manage your accounting, get invoices paid on time, accept payments & much more. freemium see all businesses using ➜
Google Sheets Web-based spreadsheets. freemium see all businesses using ➜
Xero QuickBooks alternative. Use Xero accounting software to manage invoicing, bank reconciliation, bookkeeping & more. freemium see all businesses using ➜
Wave Award-winning free accounting software and seamlessly integrated financial services. freemium see all businesses using ➜
Freshbooks Send invoices, track time, manage receipts, expenses, and accept credit cards. freemium see all businesses using ➜
Sage Business management software subscription-based product published by Sage Group and sold in the United States. freemium see all businesses using ➜
bench Pairs you with a team of professional bookkeepers to do your bookkeeping. freemium see all businesses using ➜